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S&P Direct Home Insurance & MPPI
Choose the Policy that’s right for you

Everyone likes to pick a product that suits them - one that reflects their lifestyle and needs. We think Home Insurance should give you the same choice; a policy that suits your home down to the ground and covers the possessions you’ve built up.

So here’s the interesting bit – the policy choice. Below is a summary of the policies or you can click here to view a full comparison of each - and see what similar customers buy.

Median:

It’s not easy to find out the rebuild cost of your home or the value of all your possessions – so Median takes the hassle away. This is our best seller because it offers automatic cover levels - £500,000 Buildings and £55,000 Contents cover. You can also add extra cover for Accidental Damage, Personal Possessions, Home Assistance Plus and Family Plus Legal Protection.

Ultima:

If you know the exact level of cover you need (and like a few extra’s automatically included) then Ultima is for you. You can get the exact level of cover you need for a truly personal quote. Ultima also offers our highest level of cover with extra benefits as standard, such as Accidental Damage and Worldwide Possessions cover for total peace of mind.

Essentials:

Basic and affordable cover which is ideal if you are a first time buyer or perhaps new to insurance. It covers the essentials (as the name suggests!) so you know you’re covered against standard perils with a smaller monthly bill.

Lettings:

If you're a Landlord, Lettings is ideal. It offers Buildings cover with built-in Contents for up to 7.5% of the Buildings sum insured.

Mortgage Payment Protection Insurance (MPPI):

Covers your mortgage payments if you find yourself unemployed, have an accident or become sick which prevents you from working.